5 Things to Know About the FNBO Getaway Card

It’s a decent $0-annual-fee travel credit card, but the lack of a sign-up bonus and the strict residency requirements will likely have many people looking for alternatives.

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Updated Feb 4, 2026 11:31 a.m. PST · 1 min read Written by Lead Writer & Content Strategist + more + more Edited by Managing Editor + more + more SOME CARD INFO MAY BE OUTDATED

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The First National Bank of Omaha, or FNBO, has a sizable portfolio of co-branded credit cards with partners, but it issues only a few cards that directly bear its name, including the travel-focused FNBO Getaway card. The card has some noteworthy perks — but all of them, and more, can be found in other products. More importantly, you can only get the Getaway card if you live in a handful of states. Here’s what you need to know about the Getaway by FNBO credit card. » MORE: Best no annual fee travel credit cards » MORE:

1. Not everyone can apply

To qualify for the Getaway card, you must live in a state that has an FNBO branch. As of December 2024, those states are Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas and Wyoming. If you live anywhere else but still want a travel card, look into the portfolios of major issuers such as Chase, Capital One, Citi, Wells Fargo and others. Those kinds of bigger national banks tend to have less restrictive residency requirements. » MORE: 5 things to know about the Evergreen by FNBO Credit Card » MORE:

2. It’s light on fees

FNBO’s Getaway card doesn’t charge an annual fee, foreign transaction fee or penalty APR if your account is past due. There is a balance transfer fee, but that might be worth paying to take advantage of the card’s 0% APR period on such transfers. (More on that later.)

3. It offers decent rewards

The Getaway card earns rewards on many travel-related purchases. Cardholders get: Unlimited 3x points per dollar on dining, gas and travel. Unlimited 1x point per dollar on everything else. Rewards never expire. Redemption options include: Merchandise. 2,500 points required to redeem. Merchandise. Gift cards and gift certificates. 2,500 points required to redeem Gift cards and gift certificates Travel (airline, hotel and car rentals). 2,500 points required to redeem. Travel (airline, hotel and car rentals) Cash back in the form of a statement credit, direct deposit to a checking or savings account, or a check sent by mail. Cash back may be redeemed in denominations of $25, $50, $100, $250 and $1,000. Cash back Other goods and services. Other goods and services

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4. There’s no sign-up bonus

There’s no welcome offer in the form of cash back or points to put toward your next trip, which makes the Getaway card less competitive among $0-annual-fee travel cards. For example, the Wells Fargo Autograph® Card has the following sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Like the Getaway card, the Autograph also earns unlimited 3x points on dining, gas station purchases and travel — but it also earns that elevated rate on select streaming services and phone plans. The Autograph card even has cell phone insurance up to $600. Wells Fargo Autograph® Card Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

5. There’s an interest-free period on purchases and balance transfers

As of this writing, the card has a solid 12-month 0% APR period on purchases and balance transfers. For balance transfers, a fee of 5% or $10, whichever is greater, will be tacked on to the original transfer amount. That’s a nice perk, but other cards certainly have longer 0% periods. If you want a longer break from interest, check out the best 0% APR credit cards and the best balance transfer credit cards. Both lists contain cards with 0% periods of 18 months or more. Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines. About the author Jae Bratton Jae is a writer for the credit cards team at NerdWallet. Her writing has been published in newspapers, blogs and an academic journal. See full bio. Helpful resources Best Cash Back Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards

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